American Research Journal of Humanities and Social Sciences

This paper appraises the Nigerian housing policies from1999 till date vis-à-vis the place of the low - income earners in the policy in having access to affordable housing and decent accommodation as entrenched in the National Housing Policies. The study relies on existing pool of data that has been on by varying number of authors and other literature material published and unpublished. Government gazettes and other policy documents relating to the theme of the study were reviewed. The study method is largely desk top in nature. Virtually all literatures reviewed revealed that despite the laudability of these policies, the policies are structurally deficient as there exit no categorical statements that can adequately help the poor in meeting their housing needs. Where statements exist , event over the years have shown that no government at the three tiers level of government has come up with concrete programs in bringing into reality the desires of the poor to be decently accommodated. Where such policy programs exist, they are only meant for the poor on paper and as a political gimmick. In reality such programs end up more beneficial to the rich at the expense of the low income earners. The study recommends among other things, that government should remove all administrative bottle necks in the policy for ease implementation.